Hello and thank you for your question. I will be very pleased to assist you. I'm a practicing lawyer in England with over 10 years experience.
Having received the 35 page marketing /sales document , followed by an email stating just 1 spot left, I signed up for this on 21st May 2014 paying by visa debit card. My understanding from reading the 35 page document was that the 1-2-1 training day was part of quote " I'm goning to set you up with a working business model, I'm going to get you started by sending you traffic, leads and sales and I'm going to help you set-up your very own back office system and I'm going to work with you every step of the way." Due to other commitments on both sides, the training day was agreed for 05th June 2014. I have to say that I had met this guy before at an Internet seminar he gave in a London Hotel back in December 2013, and I guess I trusted him. That was up until 5 pm on the 05th June, when I felt I had been trapped/well & truly had when he showed me the paperwork he wanted me to sign. He said I should have known, it was in his terms & conditions. I asked why wasn't in the document he had sent me and he's reply was there was a link on the order page to the terms & conditions. I hadn't noticed it at the time as it was below the order button in small type. The training was mainly coping & pasting (old) sales letters into a GetResponse (auto-responder) using the name: jimrecommends.co.uk which he had registered in his company, explaining it would be transferred over to me in due course. On one of the papers he asked me to sign it states" I have listened to Chris Cobb for the first hour and I agree to proceed with the full 1-2-1 Private training Session and any Joint Venture projects. These turned out to cost more money and were with MLM companies (Pyramid Schemes) this was not highlighted in the 35 page document. Another trick he pulled was delaying delivering the so called bonuses (page 9 of document)" To get you started, we will be sending you 500 leads (names and e-mails) so that you will already have a list!" (page 22) " And when I've done this in the past, the FAST START has always produced some staggering results: Mike : 817 leads=$639.35 + $190 in affilate commissions (within 48 hours!) Sean : 1,571 leads = $3,473.40 + $190 in affiliate commissions (within 1 week), Julie: 747 leads = $837.60 (within 48 hours!) Matt: 1,189 leads = $1,746.80 (within 24 hours!) Jonathan: 911 leads and $1,448.70 (within 24 hours!) and he now has a list OVER 3,000, (page 28) " Documented...With Step-By -Step Instructions..." " Your Very Own CPA Marketing Website..." (page29) " So, if you'd like the full picture, the insider secrets, the systems, sales letters, products, projects and automated functions actyally set up for you, mthen the price that follows is just going to seem AMAZING to you...
** You can get all this for...** Just £2,497.00
I waited for some 4 days before realising that Chris Cobb's UK Millionaire Mentor package wasn't all it was made out to be. I contacted Santander on the 09th June 2014 to report that I had been mis-sold.
AIS System UK
Suit 127 Communications House
9 St Johns Street, Colechester
Essex, CO2 7NN
I believe it was marketed to me as a consumer. I did explain I was a pensioner looking to find a home based business to subsidise my pension.
I would like to add I have not received any of the products/services mentioned. Mr Cobb has stated that I wanted everything in advance and he claims that the training was in modules to be learnt one at a time. This was not stated in the document and fly's in the face of him quoting previous clients success in a matter of 24 hrs. He also maintains that I chose not to carry on with the on going training. He also has stated that he will vigorously fight any claim. As I have already stated The Financial Ombudsman has found that Santander hasn't made an any error in not seeking a "Chargeback" from Visa regarding my complaint.
Santander says that when I contacted the bank it raised a dispute to allow it to investigate and raise a chargeback for me. But after investigation, it declined my claim on the basis that the service/subscrition was not cancelled until after the transaction debited from my account (21st May 2014) and that I had accepted the terms and conditions of the agreement which stated it was non-refundable - On 05th June 2014.(the training day). In addition the dispute concerned the service provided and this didn't fall under VISA Scheme Chargeback rules. I was under the impression that according to consumer rights I had seven working days after you received the goods/service? Also, these service was not made to order to me - as already stated they were made in the name jimrecommends.co.uk a domain name registered on the training day by Chris Cobb in his name or one of his companies. In closing, I have no business, no insider secrets, no system, no sales letters, no products, no list (leads), no website, no documented Step - by - Step Instructions... I have nothing to show for the £2,497.00 paid in good faith.
I have to say that this whole affair has left me rather shell shocked and foolish. But never-the -less, I don't feel like just rolling over, having said that I'm not sure whether I will just be throwing good money after bad. In light of the Financial Ombudsman's findings,
I hope you can open this...
At your leisure, I know it's a bit long... but It could have a bearing on your advice?
I submitted an online claim on the 20/03/2015.
I wasn't expecting such a small space to outline my claim particulars.
I am claiming for breach of contact: the reason being the service not being fit for purpose and not as described in the 35 page promotional material. Which made various claims about what I would receive. I believe my rights under distance selling regulations 2000 were compromised by the fact I was coerced into signing a waiver against any rights to a refund, which was shown to me well after the time stated on the paperwork. I never received Insider Secrets, the system, sales letters, products and automated functions, 500 leads(names and e-mails), documented Step by Step Instructions, my very own CPA Marketing Website. There was no mention in the promotional material of more financial outlay in Joint Venture projects or that the products/services offered would be staggered, which would take you out of cancellation periods. In fact the promotional material states previous students earnings and amounts within 24 hrs, 48 hrs, and 1 week. It claims you can get all this for - just £2,497.00.
Chris Cobb has already told me that he would fight any claim against him. I don't know whether my paying with a debit card was what lost my claim with the bank, or Mr Cobbs claim that I stopped the training myself and I did sign the waiver. As I've already stated this guy is very cleaver, Knowing I had pre-payed and would sign the paperwork or risk loosing everything that was on offer or most of my money on his claim for expenses. I guess it's a long shot that the court will find in my favour but it will haunt me, if I didn't try. One point I should mention is that he's letters in response to mine were on headed paper: - 1K System Ltd.
The two documents that he had me sign, he counter signed as Chris Cobb (on behalf of 1K System Ltd.) You may recall I paid AIS System, I have also noticed on paperwork a copyright notation : Automated Income Stream Ltd.
Is there a reason why you haven't replied to my reply?